I want to share something very close to my heart. Over the years, I’ve sat with many parents — some relieved after making their plans, some heartbroken because they didn’t. And if there’s one thing I’ve learned, it’s this: planning for our children isn’t just about money. It’s about love, security, and peace of mind....
I know this isn’t something we like to think about, but let’s be honest: life is unpredictable. If something were to happen to us, who would take care of our children? It’s not just about money or assets — it’s about love, stability, and the values we want our children to grow up with. Most...
A few weeks ago, I stumbled across the 38 Letters of John D. Rockefeller to His Son. These weren’t ordinary letters. They were filled with advice, reflections, and values that one of the world’s wealthiest men wanted to pass down to his child. As I read through them, I couldn’t help but imagine what...
The other day, I watched a little boy tell his mother with sparkling eyes, “When I grow up, I want to be rich!” His mother smiled and asked, “And how will you do that?” The boy shrugged, “Easy. I’ll get your money when you’re gone.” It was an innocent remark, but it made me stop...
A Coffee Chat That Changed My Perspective Not long ago, I sat down with my old friend Mr. Tan at a café in Damansara. Over a hot cup of kopi, he confided something that many parents secretly worry about: “What will happen to my children’s education if I’m not around one day?” ...
Not long ago, a close friend of mine shared a heartbreaking story. Her uncle, a hardworking businessman in Penang, had always provided well for his family. He had a life insurance policy worth RM1 million, and when he passed away suddenly, everyone thought, “At least his children are secure.” But what happened next shocked the...
In Malaysia, joint accounts are very common. Married couples open them. Parents open them with their children. Sometimes even siblings share one. The thinking is simple: “It’s easier to manage. Either of us can withdraw. If one person passes away, the other can still use it without hassle.” Sounds practical, right? But here’s the big...
This is a life change no one wants to go through. One moment you were raising a family together, the next — you’re on your own. No warning. No time to prepare. Sometimes, not even a final goodbye. You’ve become a single parent overnight. And before your tears have even dried, you’re already faced with...
In estate planning, I often hear clients say: “Yes, I’ve written my Will — but I don’t want to tell my family yet. They’ll find it when the time comes.” While this concern is understandable — especially when people want to avoid premature discussions or potential family tension — from a professional standpoint, not communicating...
As an estate planner, I’ve often heard this statement from clients: “EPF money is protected. The government says creditors can’t touch it.” At first glance, this seems correct—and legally, it is. But what many don’t realize is that this belief only holds true under very specific conditions, and one overlooked detail can change everything. ...
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